As I checked the front desk of the clinic, the receptionist sais that Medicare

[JustABozoOnThisBus]

9. Medicare absolutely gives a flying fuck ...

If there's a gap (I think it's more than three months) between turning 65 and when you apply for Part B or D, then the gap needs to be explained. If you can't explain it, then your monthly charge goes up, permanently. I waited until I was 68 to apply, because I was on my wife's insurance from her job. When she retired, I had to get a form from her H.R. department that explained why I wasn't on Medicare B/D. The folks at the Social Security office were satisfied with the form, so no penalty.

I didn't know Medicare would use hospital staff to get their paperwork right.